# FIRST PRIVATE BANK OF TEXAS
DALLAS, TX · FDIC certificate 58497 · asset band $300M-1B · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $346.9M | |
| Deposits | $312.3M | |
| Loans and leases | $295.6M | |
| Total equity | $27.9M | |
| Loans / deposits | 94.24% (p82 of band) | 79.05% |
| Liquid assets / assets | 13.20% (p11 of band) | |
| Uninsured deposits / deposits | 49.81% (p98 of band) | 18.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.86% (p26 of band) | |
| FHLB advances / assets | 1.86% | |
| Tier 1 leverage | 7.94% (p7 of band) | 10.01% |
| Unrealized securities loss / equity | 1.04% (p59 of band) | 0.54% |
| AOCI / equity | -0.46% (p1 of band) | |
| ROA (annualized) | 0.46% (p19 of band) | 0.86% |
| Net interest margin | 2.93% (p12 of band) | 3.60% |
| Efficiency ratio | 72.54% (p59 of band) | |
| Noncurrent loans | 0.00% (p1 of band) | 1.03% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 80% | |
| Construction % of loans | 146.68% (p98 of band) | |
| Auto loans | $187,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | uninsured deposits >50% |  |
| 2011-06 | 0 |  | uninsured deposits >50% |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 3 | uninsured deposits >50%, NIM <2.5% |  |
| 2012-03 | 2 |  | uninsured deposits >50% |
| 2012-06 | 3 | uninsured deposits >50% |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 2 |  | uninsured deposits >50% |
| 2013-06 | 2 | construction >100% equity | capital falling |
| 2013-09 | 3 | uninsured deposits >50% |  |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 2 |  | NIM <2.5%, capital falling |
| 2014-06 | 1 |  | uninsured deposits >50% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2016-06-15 [Who are Baylor's regents? - ESPN](https://news.google.com/rss/articles/CBMipAFBVV95cUxQbUw5cVhjRFU5V0VsNUFkV2JhRDdxVXdpQk1CS3ZKcGNBTzQ3aGpacVlOSFVYMy1HblpncXhuUmRBQi1GV28wdi1HN1lpWkFvMTNzU1dxb0luN0hFSzd5UVlybEx2MHBWTm5ucUw5RmxUay1DRkdMMmp6YkVyMUtiOTQ3YlNVNDhOSThRVC00SmZScUlsYUpndXpYcFhfRzBRTVUxOQ?oc=5) · ESPN

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58497 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "58497", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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